| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 0.58% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 0.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 0.93% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.76% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.68% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.78% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.65% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 12.35% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.39% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $474 | $23 | $497 | 0.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | P.O. BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $467 | — | $467 | 0.51% |
| THE RULE GROUP3 | 115 N EL MOLINO AVE PASADENA, CA 91101 | SIMNSA | $3K | — | $3K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $577 | $6K | 13.84% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.33% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | FIRST UNUM LIFE INSURANCE COMPANY | $648 | $70 | $718 | 14.05% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | FIRST UNUM LIFE INSURANCE COMPANY | $18 | $2 | $20 | 0.39% |
| IMA, INC.3 | 1705 17TH ST, STE 100 DENVER, CO 80202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8 | $8 | 0.89% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6 | $6 | 0.67% |
| WILLIS TOWERS WATSON US LLC3 | P.O. BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3 | $3 | 1.14% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 612 | $4.5M |
| Dental(5 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 984 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,156 | $120K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,411 | $283K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,411 | $354K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,411 | $353K |
| Prescription drug(4 contracts) | SIMNSA | 278 | $533K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,411 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,411 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.